I had seen the importance of having insurances after all the emergencies that happened to us. There are a lot of insurances that are very indispensable. You can have as many as you can if you can afford it. For us, the most important ones are health insurance, motorhome insurance, house insurance, liability insurance, accident insurance, life insurance and yes we also have a lawyer’s insurance. We never know when unavoidable circumstances or emergencies may happen. It is always better to be prepared than losing your fortune. We already had a lot of experiences where our insurances helped a lot. To name a few are; a slight car accident of mine, flood inside our house because the water pipe exploded, hubby’s bike accident, court case in returning our previous car to the car dealer which still had guarantee (we returned the car and got back our money) and some other more. You better have the insurances that you need before any emergencies may occur. We never know!